Travel Insurance. + better value for people like you Combined Financial Services Guide and Product Disclosure Statement

Transcription

1 + better value for people like you Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) Effective 28 July

2 Contents Page Financial Services Guide 2 Our Product Disclosure Statement 4 Summary of Benefits 6 Calculating your Over Fifty Travel Insurance Premium 8 Table of Benefits 9 Additional Options 11 Pre-existing Medical Conditions 12 About This Policy Wording 17 Important Matters 18 Words with Special Meanings 22 Your Policy Cover 24 Your Policy Wording 26 General Exclusions Applicable to all Sections 41 Claims 43 Health Tips 46 Application Form 47 Contact Details Back Cover Introduction Welcome and thank you for choosing Over Fifty Insurance for your insurance needs. Over Fifty Insurance is a Corporate Authorised Representative of Allianz Global Assistance. Over Fifty Travel Insurance is underwritten by Allianz Australia and supported by Allianz Global Assistance, the world leader in the provision of assistance and travel insurance. Allianz Australia and Allianz Global Assistance are a member of the worldwide Allianz Group, one of the leading global providers of insurance and financial services. Allianz and Allianz Global Assistance, Over Fifty Insurance s chosen assistance and insurance suppliers, deliver both quality and strength, ensuring policy holders are secure in the knowledge that their financial resources and assets are protected. Financial Services Guide for Allianz Global Assistance and its Authorised Representative This Financial Services Guide has been designed to help you make an informed decision about whether to use the financial services provided by Allianz Global Assistance and its Authorised Representative. It also contains information about who Allianz Global Assistance and the Authorised Representative are, how they are remunerated for providing these financial services and how your complaints are dealt with. When Allianz Global Assistance or its Authorised Representative arrange an insurance policy for you, they will give you a Product Disclosure Statement (PDS) when required. The PDS is designed to provide important information on the significant features and benefits of the policy to assist you to make informed decision about whether or not to buy the product. It may be more than one document. About Allianz Global Assistance Allianz Global Assistance, which is a trading name of AGA Assistance Australia Pty Ltd ABN AFS Licence of 74 High Street, Toowong, Queensland 4066 is an Australian Financial Services Licensee authorised to deal in and provide general advice on general insurance products. Allianz Global Assistance has been authorised by Allianz Australia Insurance Limited ABN AFS Licence (Allianz) of 2 Market Street, Sydney, New South Wales 2000 to act on its behalf to deal in and provide general advice and handling and settling claims in relation to travel insurance products underwritten by Allianz. PAGE 1 PAGE 2

3 Allianz Global Assistance has a binding authority which means that it can enter into, vary or cancel these travel insurance products and handle and settle claims on the Insurer s behalf without reference to Allianz provided it acts within the binding authority. When providing these services, Allianz Global Assistance acts for Allianz and does not act on your behalf. About the Authorised Representative Over Fifty Insurance Pty Ltd ABN Authorised Representative No (Over Fifty Insurance) of Level 30, 367 Collins Street, Melbourne, Victoria 3000 Telephone is the authorised representative of Allianz Global Assistance. Over Fifty Insurance has been authorised by Allianz Global Assistance to deal in and provide general advice on travel insurance products underwritten by Allianz. Over Fifty Insurance acts on behalf of Allianz Global Assistance and does not act on your behalf. The distribution of this Financial Services Guide has been authorised by Allianz Global Assistance. Remuneration Allianz Global Assistance is remunerated for arranging and managing travel insurance services on behalf of Allianz. This amount is calculated as a percentage of the premium you pay for the policy and is paid monthly. It is only paid if you buy the policy.employees and representatives receive an annual salary. Over Fifty Insurance is also remunerated if you buy this policy. It receives a commission which is a percentage of the gross premium you pay for the policy and is paid monthly. This percentage is 20% in the case of a telephone sale and 30% in the case of an online sale. This amount is paid only if you buy the policy. If you would like more information about the remuneration that Allianz Global Assistance receives, please contact Allianz Global Assistance on or Fax This request should be made within a reasonable time after this FSG is provided and before the financial services are provided. If you have a Complaint Should you have a complaint or dispute arising out of this insurance, or our employees, authorised representatives or service providers, please call Allianz Global Assistance on or put the complaint in writing and send it to 74 High Street, Toowong, Queensland A dispute may also be referred to the Financial Ombudsman Service Limited (FOS), which is an independent external dispute resolution body. For more information or to access the FOS process please call Alternatively you can write to the FOS at GPO Box 3, Melbourne, Victoria Access to the FOS is free. Contact Us You can give either Allianz Global Assistance or the Authorised Representative instructions using the contact details outlined in this FSG. Please retain this document in a safe place for your future reference. Date Prepared This FSG was prepared on 28 July Our Product Disclosure Statement This Product Disclosure Statement (PDS) includes the policy wording. A PDS is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy. About the available covers You can choose one of these 4 covers: Plan A Comprehensive Cover (includes benefit sections 1 to 16); Plan B Australia Only Cover (includes benefit sections 1, 4, 6, 11, 13, 15 & 16); Plan C Budget Cover (includes benefit sections 2, 3 & 15); or Plan D Frequent Traveller Cover (includes benefit sections 1 to 16 whilst travelling internationally and Sections 1, 4 & 6 to 16 whilst travelling in Australia which involves an interstate destination or intrastate destination (minimum of 250kms from home)). Understanding your policy and its important terms and conditions To properly understand this policy s significant features, benefits and risks you need to carefully read: About each of the available types of Cover and Benefits in the Summary of Benefits pages 6 to 7 and the relevant Sections of the policy Wording applicable to the Cover you choose including any endorsements under Additional Options and Pre-existing Medical Conditions on pages 11 to 16 (remember certain words have special meanings see Words with Special Meanings pages 22 to 23); When We Will Not Pay a claim under each policy Section applicable to the Cover you choose and General Exclusions Applicable to all Sections pages 41 to 42 (this restricts the Cover and Benefits); Claims pages 43 to 45 (these set out certain obligations that you and we have. If you do not meet them we may be able to refuse to pay a claim); and Important Matters pages 18 to 21 (this contains important information on your duty of disclosure, how the duty applies to you and what happens if you breach the duty, your cooling off period/money back guarantee, confirmation of your Cover, our privacy policy and our dispute resolution process, compensation arrangements, extension of your policy, your policy excess, when you can choose your own Doctor and when you should contact us concerning 24 hour medical assistance, overseas hospitalisation or medical evacuation.) APPLYING FOR COVER When you apply for the policy by completing our application we will confirm with you things such as the period of insurance, your premium, what cover options and excesses will apply and whether any standard terms need to be varied (this may be by way of an endorsement). These details are recorded in the Certificate of Insurance we issue to you. This policy document sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss. You should also read Claims pages 43 to 45 to understand how GST is applied to a claim. If you have any queries or want further information about the policy, please contact Allianz Global Assistance. ABOUT YOUR PREMIUM You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your destination(s), length of journey, number of persons covered. The higher the risk the higher the premium. Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. Stamp Duty and GST) in relation to your policy. These amounts will be set out separately in your Certificate of Insurance as part of the total premium. RELATIONSHIP WITH OUR INSURER Allianz Global Assistance has been authorised by Allianz Australia Insurance Limited (the Insurer) to enter into and arrange the policy, deal with and settle any claims under it, as the agent of the Insurer, not as your agent. Allianz Global Assistance acts under a binder which means that AGA Assistance Australia Pty Ltd can do these things as if it were the insurer. COOLING OFF PERIOD/MONEY BACK GUARANTEE Even after you have purchased your policy, you have cooling off period/money back guarantee rights (see Important Matters pages 18 to 21 for details). UPDATING THE PDS We may need to update this PDS from time to time if certain changes occur where required and permitted by law. We will issue you with a new PDS to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, we may issue you with notice of this information in other forms or keep an internal record of such changes (You can get a paper copy free of charge by calling us). DATE PREPARED This PDS is effective 28 July 2011 and remains valid until a further PDS is issued to replace it. PAGE 3 PAGE 4 PAGE 5

4 Summary of Benefits This is only a Summary of the Benefits. Please read the PDS carefully for the complete details of We Will Pay and We Will Not Pay and which types of Cover are provided under each Plan. Importantly, please note that exclusions do apply as well as limits to the Cover and these are set out in the policy Wording. 1 CANCELLATION FEES AND LOST DEPOSITS (pg. 26 & 27) Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as: Sickness Accidents Strikes Collisions Retrenchment Natural Disasters. 2 OVERSEAS EMERGENCY MEDICAL ASSISTANCE, medical EVACUATION OR FUNERAL EXPENSES (pg. 28) Cover for emergency medical assistance including: 24 Hour Emergency Medical Assistance Ambulance Medical Evacuations Funeral Arrangements Messages to family Hospital Guarantees. 3 OVERSEAS EMERGENCY MEDICAL AND HOSPITAL expenses (pg. 29) Cover for overseas medical treatment if you are injured or become sick overseas, including: Medical Hospital Surgical Nursing Restoration of dental functions to sound and natural teeth. 4 ADDITIONAL EXPENSES (pg. 30 & 31) Cover for additional accommodation and travel expenses caused by your health problems or someone else s resulting from: Sickness Accidental injury Death. Also Cover for travelling companion or relatives accommodation and travel expenses to travel to, stay near or escort you resulting from: Hospitalisation Medical Evacuation. 5 HOSPITAL CASH ALLOWANCE (pg. 32) An allowance of $50 per day if you are hospitalised whilst overseas for more than 48 continuous hours. 6 ACCIDENTAL DEATH (pg. 32) A Death Benefit is payable if you die because of accidental bodily injury sustained during your journey within 12 months of that injury. 7 PERMANENT DISABILITY (pg. 33) A Permanent Disability Benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot within 12 months of, and because of, an injury sustained during your journey. 8 LOSS OF INCOME (pg. 33) A weekly Loss of Income Benefit is payable if, due to an injury sustained during your journey, you are unable to work after your return to Australia for more than 30 days. 9 TRAVEL DOCUMENTS, CREDIT CARDS AND travellers CHEQUES (pg. 34) Cover to replace costs of travel documents lost or stolen from you during your journey, such as: Passports Credit Cards Travel Documents Travellers Cheques. 10 THEFT OF CASH (pg. 34) Cover for the following items stolen from your person, up to $250 for all claims combined: Bank Notes Cash Currency Notes Postal Orders Money Orders. 11 LUGGAGE AND PERSONAL EFFECTS (ADDITIONAL COVER OPTIONS AVAILABLE) (pg. 35 & 36) Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including: Luggage Spectacles Personal Effects Personal Computers Cameras. 12 LUGGAGE AND PERSONAL EFFECTS DELAY EXPENSES (pg. 37) Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours. 13 TRAVEL DELAY EXPENSES (pg. 37 & 38) Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay. 14 ALTERNATIVE TRANSPORT EXPENSES (pg. 38) Cover for additional travel expenses following transport delays to reach events such as: Wedding Funeral Conference Sporting Event Pre-paid travel/tour arrangements. 15 PERSONAL LIABILITY (pg. 38 & 39) Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you. 16 RENTAL VEHICLE (pg. 40) Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being: Stolen Crashed Damaged and/or cost of returning rental vehicle due to you being unfit. Calculating your Over Fifty Travel Insurance Premium STEP 1 Choose your Plan type - A, B, C or D STEP 2 Choose Cover type - Single, Duo or Family STEP 3 Nominate your geographical area (Plan A only) STEP 4 Phone Over Fifty Travel Insurance on or visit the website for your premium STEP 5 refer to Additional Options and Pre-existing Medical Conditions (pages 11 to 16) * PLEASE NOTE: 2 nights stopover outside your selected geographical area is permitted. For major destinations of: (Geographical Areas) USA, Hawaii, Canada, Africa, South America & Middle East USE WORLDWIDE TABLE Europe, UK & Asia (including China, Japan & Hong Kong) S.W. Pacific, New Zealand, Papua New Guinea, Bali Norfolk Island and Indonesia USE EUROPE/ASIA TABLE USE PACIFIC TABLE TRAVEL ON CRUISE LINERS Select the destination area where your cruise is spending the majority of your journey. Travellers on domestic cruises in Australian waters may also take the Plan A Pacific to ensure cover is available for emergency medical assistance or emergency Medical Cover. BONUS DAYS Over Fifty Travel Insurance plans offer bonus days to assist with premium calculations as follows: PERIOD OF COVER BONUS DAYS 5 days to 16 days 1 day 23 days to 45 days 3 days 2 months to 4 months 5 days 5 months to 11 months 7 days EXAMPLE OF BONUS DAY CALCULATION Cover Required: Plan A Comprehensive/Single/Worldwide Travel Dates: 1/12/07 17/12/07 (17 days cover required) Premium: $142 (16 day period of cover plus 1 free day refer Bonus Day Table above). PLEASE NOTE: Day of travel and day of return are counted as days. Return date on Certificate of Insurance is expiry date, bonus days do not extend return date shown on your Certificate. PAGE 6 PAGE 7 PAGE 8

5 Table of Benefits A Travel Over Fifty Insurance Comprehensive B Over Fifty Travel Insurance Australia Only Section Benefit Type Single Duo (per person) Family Single Duo (per person) Family *1. Cancellation Fees and Lost Deposits unlimited unlimited unlimited unlimited unlimited unlimited *2. Overseas Emergency Medical Assistance unlimited unlimited unlimited 3. Overseas Emergency Medical and Hospital Expenses Dental Expenses unlimited $500 unlimited $500 unlimited $500 *4. Additional Expenses $50,000 $50,000 $100,000 $50,000 $50,000 $100,000 *5. Hospital Cash Allowance $5,000 $5,000 $10,000 *6. Accidental Death $25,000 $25,000 $50,000 *7. Permanent Disability $25,000 $25,000 $50,000 *8. Loss of Income $10,400 $10,400 $20, Travel Documents, Credit Cards and Travellers Cheques $5,000 $5,000 $10, Theft of Cash $250 $250 $250 *11. Luggage and Personal Effects $7,500 $7,500 $15,000 $7,500 $7,500 $15,000 *12. Luggage and Personal Effects Delay Expenses $250 $250 $500 *13. Travel Delay Expenses $2,000 $2,000 $4,000 $2,000 $2,000 $4, Alternative Transport Expenses $5,000 $5,000 $10, Personal Liability $5 million $5 million $5 million $5 million $5 million $5 million *16. Rental Vehicle $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 *Sub-limits apply. Plan *Sub-limits apply. If you are travelling in the course of your business, please see page 45 for information on how GST may affect your claims. All Benefits and Premiums are in Australian dollars. PAGE 9 PAGE 10 PAGE 11 Plan Plan Plan C Over Fifty Over Fifty Plan D Over Fifty Travel Insurance Budget Cover Travel Insurance Frequent Traveller Section Benefit Type Single Duo Family Single (per person) *1. Cancellation Fees and Lost Deposits unlimited *2. Overseas Emergency Medical Assistance unlimited unlimited unlimited unlimited 3. Overseas Emergency Medical and Hospital Expenses Dental Expenses unlimited $500 unlimited $500 unlimited $500 unlimited $500 *4. Additional Expenses $50,000 *5. Hospital Cash Allowance $5,000 *6. Accidental Death $25,000 *7. Permanent Disability $25,000 *8. Loss of Income $10, Travel Documents, Credit Cards and Travellers $5,000 Cheques 10. Theft of Cash $250 *11. Luggage and Personal Effects $7,500 *12. Luggage and Personal Effects Delay Expenses $250 *13. Travel Delay Expenses $1, Alternative Transport Expenses $5, Personal Liability $5 million $5 million $5 million $5 million *16. Rental Vehicle $3,000 Plan D Over Fifty Travel Insurance Frequent Traveller Annual Cover Worldwide or Domestic journeys Accompanying spouse and dependant children/ grandchildren under 21 covered free Cover re-instated on the completion of each journey Not available for travellers aged 70 years and over Maximum length of one journey is 37 days for leisure travel or 90 days for business travel Additional Options AGE LIMITS Age limits as at date of certificate issue. Plans A and B Available to travellers aged under 81 years of age. Plans C and D Available to travellers aged under 71 years of age. The following additional premiums apply to travellers aged 71 and over where applicable as at the date of policy issue. PLEASE NOTE: An additional surcharge for Pre-existing Medical Conditions may also apply. Travellers aged 71 to 75 years*: +50% of premium Travellers aged 76 to 80 years*: +100% of premium Travellers aged 81 years and over*: +200% of premium *Not available for Plans C or D PLEASE NOTE: Age is at date of certificate issue. COVER FOR TRAVELLERS 81 YEARS AND OVER A Medical Declaration Form is required to be submitted for assessment before a policy can be offered. We have the absolute right to accept or decline cover, or impose special conditions such as an excess or reduced benefits. POLICY EXCESS AMOUNTS A nil excess applies to all plans except as advised in writing. INCREASED LUGGAGE AND PERSONAL EFFECTS COVER Cover for unspecified items is limited to: Computer/Video/Camera: $3,000 each item. Other Items: $750 each item. The maximum Benefit payable under Section 11 for damage or permanent loss of unspecified Luggage and Personal Effects is the amount nominated on the Plan selected for all claims combined. Additional Cover can be purchased for specified items (excluding jewellery) up to a total amount of $5,000 by paying an additional premium. The premium is $40 per $1,000 or part thereof, receipts and/or valuations need to be provided. Specified Personal Belongings Cover is not available for Plan C. PLEASE NOTE: The General Exclusions Applicable to all Sections of the policy applies regardless of the limit of additional Luggage and Personal Effects cover purchases.

6 Pre-existing Medical Conditions Pregnancy This section outlines the cover available for medical expenses or cancellation costs arising from, or related to, pregnancy. There is no need to complete a medical declaration form for the cover detailed in the table below. In any event we will not pay medical expenses for: regular antenatal care childbirth at any gestation care of the newborn child No cover is available for your pregnancy if your journey extends past the 26th week for a single pregnancy or past the 19th week for a multiple pregnancy. Your pregnancy You have a single, uncomplicated pregnancy, which did not arise from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation You have a single uncomplicated pregnancy, which arises from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation You have a multiple uncomplicated pregnancy, which does not arise from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation You have a multiple pregnancy, which arises from services or treatment associated with an assisted reproduction program including but not limited to in vitro fertilisation You have experienced any pregnancy complications prior to your policy being issued Outcome Cover is available under all plans for journeys ending on or before 26 weeks gestation Cover is available if you pay an additional premium under a Pre-existing Medical Condition Plan for journeys ending on or before 26 weeks gestation Cover is available if you pay an additional premium under a Pre-existing Medical Condition Plan for journeys ending on or before 19 weeks gestation Cover is not available under any Plan Cover is not available under any Plan Complications are defined as Any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome. Please also read the General Exclusions to all Sections on pages 41 to 42. No cover for MEDICAL EXPENSES, CANCELLATION COSTS OR ADDITIONAL EXPENSES This section applies if any of the following conditions apply to you (or to your travelling companion or a relative) at the time your policy was issued. 1. You have been given a terminal prognosis for any condition with a life expectancy of under 24 months 2. You require home oxygen therapy or you will require oxygen for the journey 3. You have Chronic Renal Failure treated by haemodialysis or peritoneal dialysis 4. You have been diagnosed with Congestive Heart Failure 5. You have full-blown AIDS (not an asymptomatic HIV infection) 6. You have had, or are on a waiting list for an organ transplant We do not provide medical cover for these conditions in any circumstances. If any of these apply to you (or your travelling companion or a relative), we will not cover you under Sections 1, 2, 3, 4 and 5 (Cancellation Fees and Lost Deposits, Overseas Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, Additional Expenses and Hospital Cash Allowance). This means that we will not pay: your medical expenses whatsoever your evacuation or repatriation to Australia your journey cancellation or rearrangement costs any out of pocket or additional expenses PRE-EXISTING MEDICAL CONDITIONS Please read this section carefully. Travel Insurance only provides cover for emergency overseas medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover. If you have a Pre-existing Medical Condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency which can be prohibitive in some countries. What is a PRE-EXISTING MEDICAL Condition? A Pre-existing Medical Condition means: a] An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware; b] A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor); c] Any condition for which you take prescribed medicine; d] Any condition for which you have had surgery; e] Any condition for which you see a medical specialist; or f] Pregnancy. This definition applies to you, your travelling companion or a relative. How do I obtain cover for my PRE-EXISTING MEDICAL Condition? If you are aged 81 years or over, the following section does not apply to you. You must complete the 81 Years and Over Medical Declaration form ; available from Over Fifty Travel Insurance or online at We have the absolute right to accept or decline cover, or impose special conditions such as an excess or reduced benefits. If you have a Pre-existing Medical Condition and you want cover for that condition, read the following information. If you have any questions, please contact us on Group 1 Pre-existing Medical Conditions which are automatically excluded We will not pay any costs or expenses arising directly or indirectly from any of the following Pre-existing Medical Conditions, e.g. cost of medical care while overseas, or cost of cancellation of your travel plans due to a change in health. 1. Any type of cancer that you have previously been diagnosed with, or secondaries from that cancer 2. Any condition for which surgery/treatment/procedure is planned 3. Any condition which arises from signs or symptoms that you are currently aware of, but; a] You have not yet sought a medical opinion regarding the cause; OR b] You are currently under investigation to define a diagnosis; OR c] You are awaiting specialist opinion 4. Any condition for which you have undergone surgery in the past 6 weeks 5. Any condition for which you have ever required spinal or brain surgery 6. Any condition which has caused a seizure in the past 12 months 7. Any chronic or recurring pain (including back pain) requiring regular medication or other ongoing treatment such as physiotherapy or chiropractic treatment 8. Any mental illness as defined by DSM-IV including; a] Dementia, depression, anxiety, stress or other nervous condition; b] Behavioural diagnoses such as autism; and c] A therapeutic or illicit drug or alcohol addiction 9. Any cardiovascular disease (see examples) if you have a] Experienced angina (chest pain) within the past 6 months; or b] You have had a stroke or a Transient Ischaemic Attack (TIA) within the past 12 months Travel insurance is available to you, however there is no provision to claim for any of the medical conditions as listed in the above Group 1. PAGE 12 PAGE 13 PAGE 14

7 Group 2 Pre-Existing Medical Conditions WHICH ARE automatically covered no additional premium is payable. You are automatically covered if your Pre-existing Medical Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months. We do not require any further information or a Medical Declaration form if your condition is described in this list, and has not caused hospitalisation in the past 24 months: 1. Acne 2. Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever 3. Asthma providing that you are less than 60 years of age at the time of application and/or have no other lung disease 4. Bell s Palsy 5. Benign Positional Vertigo 6. Bunions 7. Carpal Tunnel Syndrome 8. Cataracts 9. Coeliac Disease 10. Congenital Blindness 11. Congenital Deafness 12. Diabetes Mellitus (Types I and II) providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications and do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia 13. Dry Eye Syndrome 14. Epilepsy providing there has been no change to your medication regime in the past 12 months 15. Folate Deficiency 16. Gastric Reflux 17. Goitre 18. Glaucoma 19. Graves Disease 20. Hiatus Hernia 21. Hypercholesterolaemia (High Cholesterol) Provided you do not also suffer from a known cardiovascular disease and/or diabetes 22. Hyperlipidaemia (High Blood Lipids) Provided you do not also suffer from a known cardiovascular disease and/or diabetes 23. Hypertension (High Blood Pressure) Provided you do not also suffer from a known cardiovascular disease and/or diabetes 24. Hypothyroidism, including Hashimoto s Disease 25. Impaired Glucose Tolerance 26. Incontinence 27. Insulin Resistance 28. Iron Deficiency Anaemia 29. Macular Degeneration 30. Meniere s Disease 31. Menopause 32. Migraine 33. Nocturnal Cramps 34. Osteopaenia 35. Osteoporosis 36. Pernicious Anaemia 37. Plantar Fasciitis 38. Raynaud s Disease 39. Sleep Apnoea 40. Solar Keratosis 41. Trigeminal Neuralgia 42. Trigger Finger 43. Vitamin B12 Deficiency If Hospitalisation has occurred, or your condition does not meet the description, cover is not automatic: you are required to submit a completed Medical Declaration Form, as explained in Group 3. Group 3 Pre-Existing MEDICAL Conditions about which we need further information Require Approval and an additional premium is payable. If your Pre-existing Medical Condition does not fall within Group 1 or 2 and you would like to apply for cover for your Pre-existing Medical Condition, we will require you to complete a Medical Declaration Form and send it to us for consideration. We will respond within 1 business day. You can only apply for Pre-existing Medical Conditions cover under Plans A and B. Examples of two common Pre-existing Medical Conditions are set out below: Cardiovascular Disease: Medical conditions involving the heart and blood vessels are collectively called cardiovascular disease (CVD). All such conditions are interrelated. If you have ever needed to see a specialist cardiologist, or been diagnosed with a form of CVD such as (but not limited to): 1. Aneurysms 2. Angina 3. Cardiomyopathy 4. Cerebrovascular Accident (stroke) 5. Disturbances in heart rhythm (cardiac arrhythmias) 6. Previous Heart Surgery (including valve replacements, bypass surgery, stents) 7. Myocardial Infarction (heart attack) 8. Transient Ischaemic Attack and you do not purchase adequate cover for CVD, you may not be covered for any claims relating to the heart/cardiovascular system (including heart attacks and strokes). If any of these conditions is expressly excluded from the policy, all CVD is excluded. Chronic Lung Disease: If you have ever been diagnosed with a chronic lung disease including (but not limited to) Emphysema and Chronic Bronchitis, Bronchiectasis, Chronic Obstructive Airways Disease (COAD) or Chronic Obstructive Pulmonary Disease (COPD) and you do not purchase adequate cover for your respiratory disease, you may not be covered for any claims relating to a new airways infection. If a chronic lung condition is expressly excluded under your policy, all new infections are also excluded. If you have a Pre-existing Medical Condition and: (i) you do not apply for cover (or you apply for cover and we do not agree to provide cover); or (ii) you do not pay the relevant additional premium, we will not pay any claims arising from or related to your Pre-existing Medical Condition. Refer to the Sections 1, 2, 3, 4 & 5 and the General Exclusions of your policy. You cannot apply for cover for conditions outlined in Group 1. You are only covered for any claim which arise from a Pre-existing Medical Condition suffered by a relative that is hospitalised or dies in Australia after the policy is issued and at the time of the policy issue you were unaware of the likelihood of such hospitalisation or death. The most we will pay in respect of all claims under all the sections of the policy is $2,000 for a Single Plan and $4,000 for a Family Plan. A Medical Declaration Form is available from Over Fifty Travel Insurance or online at In most cases it can be completed entirely by you. In some cases we will also need a Doctor s Declaration to be completed by your regular treating doctor, but this is explained in more detail in the Medical Declaration Form. About This Policy Wording About this policy WORDING This is your policy wording. It sets out the cover available and the standard terms and conditions which apply. You need to read it carefully to make sure you understand it and that it meets your needs. In particular, read the Important Matters on pages 18 to 21. HOW TO TAKE OUT YOUR POLICY Once you have selected your Plan and level of cover, paid the premium shown and we agree to provide cover, we will give you a Certificate of Insurance, which will entitle you to claim under the policy up to the relevant amounts for which you are covered. The Certificate, this policy wording and any written endorsements issued by us, make up your agreement (policy) with the insurer. If you are satisfied with the cover please retain these documents in a safe place. WHO IS THE INSURER? This policy is issued and underwritten by Allianz Australia Insurance Limited ABN AFS License (the Insurer). WHO IS AGA Assistance Australia Pty Ltd? AGA Assistance Australia Pty Ltd trading as Allianz Global Assistance, ABN , AFS License , is authorised by Allianz to enter into and arrange the policy and deal with and settle any claims under it, as agent of Allianz, not as your agent. WHO IS Allianz Global Assistance? Allianz Global Assistance administers all emergency assistance services and benefits of this insurance. You may contact Allianz Global Assistance in an emergency 24 hours a day, 7 days a week. JURISDICTION AND CHOICE OF LAW This policy is governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this Jurisdiction and Choice of Law clause applies. PAGE 15 PAGE 16 PAGE 17

8 Important Matters Under your policy there are rights and responsibilities which you and we have. You must read this policy in full for more details, but here are some you should be aware of: Who can purchase this Policy? Under Plans A, B, C & D cover is available for citizens or residents of Australia. COOLING OFF PERIOD/MONEY BACK GUARANTEE If you decide that you do not want this policy, you may cancel it within 14 days after the issue of the Certificate of Insurance to you, and you will be given a full refund of the premium you paid, provided you have not started your journey and you do not want to make a claim or to exercise any other right under the policy. After this period you can still cancel your policy but we will not refund any part of your premium if you do. CONFIRMATION OF COVER To confirm any policy transaction (if the Certificate of Insurance does not have all the information you require) call Over Fifty Travel Insurance. YOUR DUTY OF DISCLOSURE Before you enter into this policy with us, the Insurance Contracts Act 1984 (Cth) requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable and to calculate how much premium is required for your policy. You will be asked various questions when you first apply for your policy. When you answer these questions, you must: give us honest and complete answers; tell us everything you know; and tell us everything that a reasonable person in the circumstances could be expected to tell us. If you vary, extend, reinstate or replace the policy your duty is to tell us before that time, every matter known to you which: you know; or a reasonable person in the circumstances could be expected to know, is relevant to our decision whether to insure you and whether any special conditions need to apply to your policy. You do not need to tell us about any matter that: diminishes our risk; is of common knowledge; we know or should know as an insurer; or we tell you we do not need to know. Who does the duty apply to? Everyone who is insured under the policy must comply with the duty of disclosure. WHAT HAPPENS IF YOU OR THEY BREACH THE DUTY? If you or they do not comply with the duty of disclosure, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing. COMPENSATION ARRANGEMENTS Allianz is authorised to carry on general insurance business in Australia. We are supervised by the Australian Prudential Regulation Authority (APRA). We are subject to the prudential requirements of the Insurance Act which are designed to ensure that, under all reasonable circumstances, financial promises made by us are met within a stable, efficient and competitive financial system. Because of this we are exempted from the requirement to meet the compensation arrangements Australian financial services licensees must have in place to compensate retail clients for loss or damage suffered because of breaches by the licensee or its representatives of Chapter 7 of the Corporations Act. We have compensation arrangements in place that are in accordance with the Insurance Act. The protection provided under the Federal Government s Financial Claims Scheme (the Scheme) applies to the policy. In the unlikely event Allianz was unable to meet its obligations under the policy, persons entitled to make a claim under insurance cover under the policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at and the APRA hotline on GENERAL INSURANCE CODE OF PRACTICE We proudly support the General Insurance Code of Practice. The purpose of the Code is to raise standards of practice and service in the general insurance industry. For more information on the Code, or if you have an enquiry or complaint relating to your policy contact us on Please contact us if you believe we have let you down in our service or in any other way. DISPUTE RESOLUTION PROCESS If you have a complaint or dispute in relation to this insurance, or the services of Allianz Global Assistance or its representatives, please call Allianz Global Assistance on or put the complaint in writing and send it to The Dispute Resolution Department, 74 High Street, Toowong, Queensland Allianz Global Assistance will attempt to resolve the matter in accordance with its Internal Dispute Resolution process. To obtain a copy of Allianz Global Assistance s procedures, please contact them. A dispute can be referred to the Financial Ombudsman Service Limited (FOS), subject to its terms of reference. The FOS provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. The contact details for the FOS are: Financial Ombudsman Service Limited (FOS) GPO Box 3, Melbourne Victoria 3001 Phone: Fax: (03) Website: info@fos.org.au IN THE EVENT OF A CLAIM: IMMEDIATE NOTICE should be given. (See contact details on back cover). PLEASE NOTE: FOR CLAIMS PURPOSES, EVIDENCE OF THE VALUE OF THE PROPERTY INSURED OR THE AMOUNT OF ANY LOSS MUST BE KEPT. SAFEGUARDING YOUR LUGGAGE AND PERSONAL EFFECTS You must take all reasonable precautions to safeguard your Luggage and Personal Effects. If you leave your Luggage and Personal Effects unsupervised in a public place we will not pay your claim. (For an explanation of what we mean by Luggage and Personal Effects, Unsupervised and Public Place see pages 22 to 23). CLAIMS PROCESSING We will process your claim within 10 business days of receiving a completed claim form and all necessary documentation. If we need additional information, a written notification will be sent to you within 10 business days. PRIVACY NOTICE Any personal information you provide is used by us to evaluate and arrange your travel insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, research, IT systems maintenance and development, recovery against third parties, and for any other purposes with your consent. This personal information may be disclosed to (and received from) third parties in Australia or overseas involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such personal information will be provided to third parties for the primary purposes stated above. The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose. When you give personal information about other individuals, we and our agents rely on you to have made or make them aware: that you will or may provide their information to us; the types of third parties to whom the information may be provided; the relevant purposes we and the third parties will disclose it to, will use it for; and how they can access it. We rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us or our agents before you provide the relevant information. You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your Dependants under 16 years. PAGE 18 PAGE 19 PAGE 20

9 If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why. EXTENSION OF YOUR POLICY See Your Period of Cover on page 25. You may extend your policy if you find that your return to Australia has been delayed because of one or more of the following: If a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage, is delayed; or If the delay is due to a reason for which you can claim under your policy, cover will be extended free of charge subject to our approval. If the delay is for any other reason, you must request the extension at least 7 days before your original policy expires and we must agree to this in writing. An extension of cover is not provided for Pre-existing Medical Conditions previously accepted by us in writing and/or for any conditions you suffered during the term of your original policy or if you are aged 71 years and over at time of extension, or where you have not advised us of any circumstances that have or may give rise to a claim under your original policy. We will not extend cover beyond the maximum 12 month term of cover. YOU CAN CHOOSE YOUR OWN DOCTOR You are free to choose your own Medical Adviser or we can appoint an approved Medical Adviser to see you, unless you are treated under a Reciprocal Health Agreement, refer to page 29. You must, however, advise Allianz Global Assistance of your admittance to hospital or your early return to Australia based on medical advice. If you do not get the medical treatment you expect, Allianz Global Assistance can assist you but neither Allianz nor Allianz Global Assistance are liable for anything that results from that. OVERSEAS HOSPITALISATION OR MEDICAL EVACUATION For emergency assistance anywhere in the world at any time, Allianz Global Assistance is only a telephone call away. The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency. If you are hospitalised you, or a member of your travelling party, MUST contact Allianz Global Assistance as soon as possible. If you do not, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us. (See page 29). If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000 you MUST contact Allianz Global Assistance. Please note that we will not pay for any costs incurred in your Country of Residence. EXCESS No excess applies to any Section of your policy apart from any such other amount that we tell you about in writing before the Certificate is issued to you, or as specified on page 11 under the Words with Special Meanings Some words in your policy that have special meanings are defined here. "AICD/ICD" means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD). Arises or Arising means directly or indirectly arising or in any way connected with. "Carrier" or "Carriers" means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purposes of transporting passengers. This definition excludes taxis. "Chronic" means a persistent and lasting condition in medicine. We do not consider that chronic pain has to be constant pain, however in many situations it has a pattern of relapse and remission. The pain, disease or medical issue may be long-lasting, recurrent (occurred on more than 2 occasions) or characterised by long suffering. Dependant means your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the journey. Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community. Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy. Home means the place where you normally live in Australia. Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. Injure or Injured or Injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease. Journey means the time from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home. Locked Storage Compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome. Luggage and Personal Effects means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade. Medical Adviser means a qualified Doctor of Medicine or Dentist registered in the place where you received the services. Normally Earn means: If you are an employee, your average weekly base rate after tax over the 12 months before your journey began. PAGE 21 PAGE 22 PAGE 23 If you are not an employee, your average weekly income from personal exertion after deducting income and all tax deductible expenses over the twelve months before your journey. However, if you haven t been working continuously for that period, it means the average for the time you were working continuously. Open Water Sailing means sailing more than 10 nautical miles off any land mass. Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race. "Pre-existing Medical Condition" means: a] An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware; b] A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor); c] Any condition for which you take prescribed medicine; d] Any condition for which you have had surgery; e] Any condition for which you see a medical specialist; or f] Pregnancy. This definition applies to you, your travelling companion or a relative. Public Place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas. Reasonable means, for medical or dental expenses, the standard level of care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your journey or, as determined by us. Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or your Travelling companion s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, stepparent, step-son, step-daughter, fiancé or fiancée, or guardian. Sick or Sickness means a medical condition, not being an injury, which first occurs during your period of cover. Travelling Companion means a person with whom you have made arrangements to travel with you for at least 75% of your journey before you entered into your policy. Unsupervised means: leaving your luggage with a person you did not know prior to commencing your Journey. leaving it in a position where it can be taken without your knowledge. leaving it at such a distance from you that you are unable to prevent it being taken. We, Our and Us means the insurer of your policy, Allianz Australia Insurance Limited, through its agent AGA Assistance Australia Pty Ltd. You and Your means the person whose name is set out on your Certificate of Insurance and everyone else who is covered under your policy.

10 Your Policy Cover Your Choices Under the policy, you choose the cover you require based on your travel arrangements: Whether you want the Single, Duo or Family Cover this depends on who you want to be insured; and Whether you want Plan A, B, C or D this depends on the type of cover you want and is available to you. Cover Type You can choose one of the following cover types: Single Plan Covering you and your dependant children listed as covered on your Certificate of Insurance. Duo Plan Covering you and your travelling companion listed as covered on your Certificate of Insurance and intending to travel with you on your journey. Duo Cover does not provide cover for dependant children. We issue one Certificate of Insurance. You are both covered as if you are each insured under separate policies with Single Cover Benefits per insured person. Family Plan Covering you and the members of your family who go with you on your journey listed as covered on your Certificate of Insurance. The only members of your family who can be included are your spouse, your legally recognised de facto, your children and your grandchildren. However, all children and grandchildren must be Dependant and under 21. The limits on your cover for Family Plans apply to the total of all claims combined made by you and/or members of your family under the policy, whether the claim is in respect of you or any member of your family covered under the Family Plan. Plan Benefits Cover for Plans A or B for any loss you suffer must occur in the geographical area that applies to the Plan selected by you. However, stopovers of 2 nights outside of your selected geographical area are permitted. Plan A Over Fifty Travel Insurance Comprehensive covers the Benefits detailed in: Sections 1 to 16. Plan B Over Fifty Travel Insurance Australia Only covers the Benefits detailed in: Section 1 Cancellation Fees and Lost Deposits Section 4 Additional Expenses Section 6 Accidental Death Section 11 Luggage and Personal Effects Section 13 Travel Delay Expenses Section 15 Personal Liability Section 16 Rental Vehicle Plan C Over Fifty Travel Insurance Budget Cover only covers the Benefits detailed in: Section 2 Overseas Emergency Medical Assistance Section 3 Overseas Emergency Medical and Hospital Expenses Section 15 Personal Liability Plan D Over Fifty Travel Insurance Frequent Traveller covers Plan D Benefits (Sections 1 to 16) whilst travelling internationally and Plan D Benefits (Sections 1, 4, 6 to 16) whilst travelling in Australia which involves an interstate destination or intrastate destination (minimum of 250kms from home). Cover is not available for travellers aged 70 years and over. To find out more about the types of cover that apply to your Plan, refer to Sections We Will Pay and We Will Not Pay for details. Your period of cover You are not covered until we issue a Certificate of Insurance. That Certificate forms part of the policy. The period you are insured for is set out in the Certificate. However: The cover for cancellation fees and lost deposits begins from the time the policy is issued. Cover for all other sections begins on date of departure as stated on the Certificate of Insurance. Cover ends when you return to your Home or on the date of return set out on your Certificate of Insurance whichever happens first. The maximum period of cover for any one journey under Plan D Over Fifty Travel Insurance Frequent Traveller cover is 37 days per leisure journey or 90 days per business journey. Your Policy Wording 1 cancellation FEES AND LOST DEPOSITS You have this cover if you choose Plan A, B or D. 1.1 WE WILL PAY a] We will pay your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your journey is cancelled or shortened at any time through circumstances neither expected nor intended by you or outside your control. b] We will pay the travel agent s cancellation fees up to $1,500 Single policy or $3,000 Family policy when all monies have been paid or the maximum amount of the deposit has been paid at the time of cancellation. However, we will not pay more than the level of commission or service fees normally earned by the agent, had your journey not been cancelled. Documentary evidence of the travel agent s fee is required. c] We will pay you for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following cancellation of your air ticket, if you cannot recover the lost points from any other source. The cancellation must be due to unforeseen circumstances outside of your control. We calculate the amount we pay you by multiplying: The cost of an equivalent class airline ticket based on the quoted retail price at the time the ticket was issued, less your financial contribution; and The total value of points lost divided by the total value of points used to obtain the ticket. PAGE 24 PAGE 25 PAGE 26

11 1.2 WE WILL NOT PAY We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, abandoned or shortened. Nor will we pay if your cancellation fees or lost deposits arise because of: a] The death or sickness of your travelling companion or relative, if the death or sickness is as a result of a Preexisting Medical Condition except as specified under the heading Pre-existing Medical Conditions on pages 12 to 16. b] You or your travelling companion changing plans. c] Any business, financial or contractual obligations. This exclusion does not apply to claims where: you or a member of your travelling party are made redundant from full-time employment in Australia provided you or they were not aware that the redundancy was to occur before you purchased your policy. d] Prohibition or regulation by any Government. e] A tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour. f] Delays or rescheduling by a bus line, airline, shipping line or rail authority. g] The financial collapse of any transport, tour or accommodation provider associated with your journey. h] The mechanical breakdown of any means of transport. i] If your claim arises directly or indirectly from an act or threat of terrorism. j] The death, injury or sickness of any person who resides outside of Australia. k] Where you are a full-time permanent employee and prearranged leave is cancelled by your employer. l] Your claim arises directly or indirectly from an Epidemic or Pandemic. 2 overseas EMERGENCY MEDICAL ASSISTANCE, MEDICAL EVACUATION OR FUNERAL EXPENSES You have this cover if you choose Plan A, C or D. Allianz Global Assistance will help you with any overseas medical emergency (see Who is Allianz Global Assistance? on page 17). You may contact them at any time 7 days a week. 2.1 We will arrange for the following assistance services if you injure yourself overseas or become sick whilst overseas: a] Access to a Medical Adviser for emergency medical treatment whilst overseas. b] Any messages which need to be passed on to your family or employer in the case of an emergency. c] Provide any written guarantees for payment of reasonable expenses for emergency hospitalisation whilst overseas. d] Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to Australia with appropriate medical supervision. e] For the return to Australia of your Dependant children if they are left without supervision following your hospitalisation or evacuation. If you die as a result of an injury or a sickness during your journey, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home in Australia. The maximum amount we will pay is $15,000 for all claims combined. The most we will pay under this Section for all claims combined made under items 2.1 a] to e] is shown under the Table of Benefits for the Plan you 2.2 WE WILL NOT PAY a] We will not pay for any expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by us. b] We will not pay if you decline to promptly follow the medical advice we have obtained and we will not be responsible for subsequent medical, hospital or evacuation expenses. c] We will not pay for medical evacuation or the transportation of your remains from Australia to an overseas country. 3 overseas EMERGENCY MEDICAL AND HOSPITAL EXPENSES You have this cover if you choose Plan A, C or D. 3.1 WE WILL PAY We will reimburse the reasonable medical or hospital expenses you incur until you get back to Australia if you injure yourself overseas, or become sick there. a] The medical or hospital expenses must have been incurred on the advice of a Medical Adviser. b] You must make every effort to keep your medical or hospital expenses to a minimum. If we determine that you should return home to Australia for treatment and you do not agree to do so then we will pay you the amount which we determine would cover your medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. c] We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. We will also pay: d] the cost of emergency dental treatment up to a maximum amount of $500 per trip for dental costs incurred which the treating Dentist certifies in writing is for the relief of sudden and acute pain. 3.2 WE WILL NOT PAY We will not pay for expenses: a] Arising from Pre-existing Medical Conditions except as specified under the heading Pre-existing Medical Conditions on pages 12 to 16. b] When you have not notified us as soon as practicable of your admittance to hospital. c] After 2 weeks treatment by a Chiropractor, Physiotherapist or Dentist unless approved by us. d] If you do not take our reasonable advice or that any Assistance company we appoint. e] If you have received medical care under a Reciprocal National Health Scheme. Reciprocal Health Agreements are currently in place with the following countries: Finland, Italy, Malta, the Netherlands, Norway, Sweden, the Republic of Ireland, United Kingdom and New Zealand. f] For damage to dentures, dental prostheses, bridges or crowns. g] Relating to dental treatment involving the use of precious metals or for cosmetic dentistry. PAGE 27 PAGE 28 PAGE 29

12 4 ADDITIONAL EXPENSES You have this cover if you choose Plan A, B or D. 4.1 WE WILL PAY BECAUSE OF HEALTH PROBLEMS We will reimburse any reasonable additional accommodation and travel expenses if you cannot travel because of an injury or sickness which needs immediate treatment from a Medical Practitioner who certifies that you are unfit to travel. We will also reimburse your reasonable additional accommodation and travel expenses for you to be with your travelling companion if he or she cannot continue their journey for accommodation and travel expenses of your travelling companion or a relative to travel to you, stay near you or escort you, if you are in hospital suffering from a life threatening or other serious condition, or are evacuated for medical reasons. He or she must travel, stay with you or escort you on the written advice of a Medical Adviser and with our prior approval. In addition: a] If you shorten your journey and return to Australia on the advice of a Medical Adviser approved by us, we will reimburse the reasonable cost of your return to Australia. We will only pay the cost of the fare class that you had planned to travel at and you must take advantage of any pre-arranged return travel to Australia. b] If, during your journey, your travelling companion or a relative of either of you dies unexpectedly, is disabled by an injury or becomes seriously sick and requires hospitalisation, we will reimburse the reasonable additional cost of your return to Australia. We will only pay the cost of the fare class you had planned to travel at. c] If you return to your home in Australia because, during your journey, a relative of yours dies unexpectedly or is hospitalised following a serious injury or a sickness, we will reimburse you up to $3,000 towards return airfares if you are able to resume your journey, but only if more than 14 days remain of the period of your journey on your Certificate of Insurance. d] However, if you do not have a return ticket booked to Australia before you were injured or became sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from. The fare will be at the same fare class as the one you left Australia on. e] Wherever claims are made by you under this Section and Section 1 for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. WE WILL ALSO PAY FOR THE OTHER FOLLOWING REASONS: We will reimburse your reasonable additional travel and accommodation expenses if a disruption to your journey arises from the following reasons. a] Your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil commotion, weather or natural disaster. b] You unknowingly break any quarantine rule. c] You lose your passport, travel documents or credit cards or they are stolen. d] An accident involving your mode of transport. You must have written confirmation of the accident from an official body in the country where the accident happened. e] Your home in Australia is rendered uninhabitable by fire, explosion, earthquake or flood. 4.2 WE WILL NOT PAY a] We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled or disrupted or delayed. b] We will not pay if the death, injury or sickness of a relative is a result of a Pre-existing Medical Condition except as specified under the heading Pre-existing Medical Conditions on pages 12 to 16. c] We will not pay if you can claim your additional travel and accommodation expenses from anyone else. d] We will not pay if your claim relates to the financial collapse of any transport, tour or accommodation provider. e] We will not pay for delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil commotion, weather or natural disaster. f] We will not pay if you operate a rental vehicle in breach of the rental agreement. g] We will not pay as a result of you or your travelling companion changing plans. 5 hospital CASH ALLOWANCE You have this cover if you choose Plan A or D. 5.1 WE WILL PAY We will pay you $50 for each day you are in hospital if you are in hospital for more than 48 continuous hours while you are overseas. However, no matter how long you are in hospital the maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits for the Plan you 5.2 WE WILL NOT PAY a] We will not pay for the first 48 continuous hours you are in hospital. b] We will not pay if you cannot claim for overseas medical expenses in Section 3. 6 ACCIDENTAL DEATH You have this cover if you choose Plan A, B or D. 6.1 WE WILL PAY We will pay the Death Benefit, to the estate of the deceased, if: a] you are injured during your journey and you die because of that injury within 12 months of the injury; or b] during your journey, something you are travelling on disappears, sinks or crashes and you are presumed dead and your body is not found within 12 months. The limit we will pay for the death of any one accompanying Dependant is $5,000. The limit for the death of one person, who is not an accompanying Dependant is the sum insured as per the Plan selected. 6.2 WE WILL NOT PAY We will not pay for death caused by suicide or for any other reason other than caused by injury as defined on page 22. PAGE 30 PAGE 31 PAGE 32

13 7 PERMANENT DISABILITY You have this cover if you choose Plan A or D. 7.1 WE WILL PAY We will pay if: you are injured during your journey; and because of the injury, become permanently disabled within 12 months of the injury. Permanently disabled means: a] you have totally lost any of the following: all of the sight in one or both eyes; the use of a hand or foot at or above the wrist or ankle; and b] the loss is for at least 12 months and, in our opinion after consultation with an appropriate Medical Specialist, will continue indefinitely. The limit for the permanent disability of one person is the sum insured as per the Plan selected and the most we will pay for any one Dependant is $5, WE WILL NOT PAY 8 loss OF INCOME You have this cover if you choose Plan A or D. 8.1 WE WILL PAY If you are injured during your journey and become disabled within 30 days because of the injury, and the disablement continues for more than 30 days after your return to Australia, we will pay you what you normally earn. We will only pay if you cannot do your normal or suitable alternative work and you lose all your income. 8.2 WE WILL NOT PAY We will not pay for the first 30 days of your disablement from the time you return to Australia. 9 loss OF TRAVEL DOCUMENTS, CREDIT CARDS AND TRAVELLERS CHEQUES You have this cover if you choose Plan A or D. 9.1 WE WILL PAY a] We will reimburse you the replacement costs (including communication costs) of any travel documents, including passports, credit cards or travellers cheques you lose or which are stolen from you during your journey. b] We will also cover loss resulting from the fraudulent use of any credit card held by you following the loss of the card during your journey. c] We will only cover those amounts not covered by any guarantee given by the bank or issuing company to you as the cardholder covering such losses. 9.2 WE WILL NOT PAY a] We will not pay if you: do not report the theft within 24 hours to the police and, in the case of credit cards and travellers cheques, to the issuing bank or company in accordance with the conditions under which the card or cheque were issued; and you cannot prove that you made a report to the above relevant persons by providing us with a written statement from them. 10 THEFT OF CASH, BANK NOTES, CURRENCY NOTES, POSTAL ORDERS OR MONEY ORDERS You have this cover if you choose Plan A or D WE WILL PAY The most we will pay is $250 for any cash, bank notes, currency notes, postal orders or money orders stolen from your person WE WILL NOT PAY a] We will not pay if you do not report the theft within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You can prove that you made a report by providing us with a written statement from whoever you reported it to. b] We will not pay if the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen. 11 DAMAGE OR PERMANENT LOSS OF LUGGAGE AND PERSONAL EFFECTS You have this cover if you choose Plan A, B or D WE WILL PAY a] We will pay the repair cost, or value of any Luggage and Personal Effects which is stolen or accidentally damaged or is permanently lost. When calculating the amount payable we will apply depreciation due to age, wear and tear. The amount of such depreciation will be determined by us. No depreciation will be applied to goods purchased duty free prior to your departure or goods purchased during your journey. We will not pay more than the original purchase price of any item. We also have the option to repair or replace the Luggage and Personal Effects instead of paying you. b] The maximum amount we will pay for any item (item limit) is: $3,000 for personal computers, video recorders or cameras. $750 for all other unspecified items. A pair or related set of items, for example but not limited to: A camera, lenses (attached or not), tripod and accessories; A matched or unmatched set of golf clubs, golf bag and buggy, or A matching pair of earrings, are considered as only one item and the appropriate single item limit will be applied. c] In addition to the above item limits we will also pay up to a maximum of $5,000 (or such other lower amount which you have previously selected) for all items combined, in relation to those items that you have specified on the Increased Luggage and Personal Effects Cover section of the application form and paid an additional premium for. d] Luggage and Personal Effects left in a motor vehicle are only covered during daylight hours and must have been locked in the boot or a Locked Storage Compartment and forced entry must have been made. No cover applies if Luggage and Personal Effects are left unattended in the passenger compartment of the motor vehicle or if the Luggage and Personal Effects have been left in the motor vehicle overnight. The most we will pay if your Luggage and Personal Effects are stolen from the Locked Storage Compartment of an unoccupied vehicle is $200 for each item and $2,000 in total for all stolen items, even if you have purchased additional cover for specified items. PAGE 33 PAGE 34 PAGE 35

14 11.2 WE WILL NOT PAY We will not pay a claim in relation to your Luggage and Personal Effects if: a] You do not report the loss, theft or misplacement within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or misplacement occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to. b] Your jewellery, mobile phone, camera, video camera, computer equipment or their accessories are transported in the cargo hold of any aircraft, ship, train or bus. c] The loss, theft or damage is to or of bicycles. d] The loss, theft or damage is to items left behind in any hotel or motel room after you have checked out or items left behind in any aircraft, ship, train, taxi or bus. e] The loss, theft or damage is to watercraft of any type (other than surfboards). f] The Luggage and Personal Effects were being sent unaccompanied or under a freight contract. g] The loss or damage arises from any process of cleaning, repair or alteration. h] The loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin. i] The Luggage and Personal Effects were left unsupervised in a public place. j] The Luggage and Personal Effects were left unattended in a motor vehicle unless it was locked in the boot or locked storage compartment. k] The Luggage and Personal Effects were left overnight in a motor vehicle even if it was in the locked storage l] The Luggage and Personal Effects have an electrical or mechanical breakdown. m] The Luggage and Personal Effects are fragile, brittle or an electronic component is broken or scratched unless either: it is the lens of spectacles, binoculars or photographic or video equipment; or The breakage or scratch was caused by a crash involving a vehicle in which you are travelling. n] You are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your Cover (allowing for depreciation due to age, wear and tear). o] The loss or damage is to sporting equipment whilst in use (including surfboards). TO ALL SECTIONS PAGES 41 TO 42 FOR OTHER REASONS WHY WE WILL NOT PAY. 12 LUGGAGE AND PERSONAL EFFECTS DELAY EXPENSES You have this cover if you choose Plan A or D WE WILL PAY We will reimburse up to the sum insured as per the Plan selected for all claims combined if any items of your Luggage and Personal Effects are delayed, misdirected or misplaced by the carrier for more than 12 hours, and in our opinion it was reasonable for you to purchase essential items of clothing or other personal items. Your claim must contain written proof from the carrier who was responsible for your luggage that it was delayed, misdirected or misplaced. We will deduct any amount we pay you under this Benefit for any subsequent claim for lost Luggage and Personal Effects WE WILL NOT PAY We will not pay if you are entitled to compensation from the bus line, air line, shipping line or rail authority you were travelling on for the relevant amount claimed. However, if you are not reimbursed the full amount, we will pay the difference between the amount of your expenses and what you were reimbursed up to the limit of your cover. 13 TRAVEL DELAY EXPENSES You have this cover if you choose Plan A, B or D WE WILL PAY We will reimburse the cost of your reasonable additional meals and accommodation expenses if a delay to your journey, for at least 6 hours, arises from circumstances outside your control: We will pay up to $200 at the end of the initial 6 hour period. In addition we will pay up to $200 for each full 24 hour period that the delay continues beyond the initial 6 hour delay WE WILL NOT PAY We will not pay if a disruption to your journey arises from any of the following reasons: a] You can claim your additional meals and accommodation expenses from anyone else. b] The financial collapse of any transport, tour or accommodation provider c] Your claim arises directly or indirectly from an act or threat of terrorism. 14 ALTERNATIVE TRANSPORT EXPENSES You have this cover if you choose Plan A or D WE WILL PAY We will pay your reasonable additional travel expenses as determined by us to reach a wedding, funeral, conference, sporting event or prepaid travel/tour arrangements on time if your scheduled transport is cancelled, delayed, shortened or diverted and that means you would not arrive on time WE WILL NOT PAY a] We will not pay if cancellation, delay, shortening or diversion of your scheduled transport arises from the financial collapse of any transport, tour or accommodation provider. b] We will not pay if your claim arises directly or indirectly from an act or threat of terrorism. 15 PERSONAL LIABILITY You have this cover if you choose Plan A, B, C or D WE WILL PAY We will cover your legal liability for payment of compensation in respect of: death, bodily injury or illness, and/or physical loss of damage to property, occurring during your journey which is caused by an accident or a series of accidents attributable to one source or originating cause. We will also reimburse your reasonable legal expenses for settling or defending the claim made against you. We decide whether the expenses were reasonable. You must not accept liability without our prior written approval. The maximum amount we will pay is the limit of liability shown for the type of Cover selected (Single or Family) and the Plan you have selected on the attached Table of Benefits. PAGE 36 PAGE 37 PAGE 38

15 15.2 WE WILL NOT PAY We will not reimburse you for anything you have to pay because of a legal claim against you for causing injury, death or damage to property, if the claim arises out of or is for: a] Bodily injury to you, your travelling companion, or to a relative or employee of either of you; b] Damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, your relative, or your travelling companion, or to an employee of either of you; c] Something arising out of the ownership, custody or use of any aerial device, watercraft or mechanically propelled vehicle; d] Something arising out of the conduct of a business, profession or trade; e] Any loss, damage or expenses which are covered or should have been covered under a Statutory or Compulsory Insurance policy, Statutory or Compulsory Insurance or Compensation Scheme or Fund, or under Workers Compensation Legislation, an Industrial Award or Agreement, or Accident Compensation Legislation; f] Any fine, penalty or aggravated, punitive or exemplary or liquidated damages; g] Disease that is transmitted by you; h] Any relief or recovery other than monetary amounts; i] Liability arising from a contract that imposes on you a liability which you would not otherwise have; j] Anything that is covered under any other insurance policy. We will be liable only for the amount your liability exceeds the limits of cover under any other policy; k] Assault and/or battery committed by you or at your direction; or l] Conduct intended to cause personal injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance. 16 RENTAL VEHICLE You have this cover if you choose Plan A, B or D WE WILL PAY We will reimburse the rental vehicle insurance excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody. You must provide a copy of the repair account and/or quote. This cover does not take the place of Rental Vehicle Insurance and only provides cover for the excess component up to the applicable Section limit. In addition, we will pay up to $500 for the cost of returning your rental vehicle to the nearest depot if your attending registered Medical Practitioner or Dentist certifies in writing that you are unfit to do so during your journey WE WILL NOT PAY We will not pay a claim involving the theft or damage to your rental vehicle if the claim arises directly or indirectly from: a] You operating a rental vehicle in violation of the rental agreement. b] You using the rental vehicle while affected by alcohol or any other drug in a way that is against the law of the place you are in. c] You using a rental vehicle without a licence for the purpose that you were using it. General Exclusions Applicable to all Sections We will not pay under any circumstances if: General 1 You do not act in a responsible way to protect yourself and your property and to avoid making a claim. 2 You do not do everything you can to reduce your loss as much as possible. 3 Your claim arises from consequential loss of any kind including loss of enjoyment. 4 At the time of purchasing the policy, you were aware of something that would give rise to you making a claim under this policy. 5 Your claim is for a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored Fund, Plan, or Medical Benefit Scheme, or any other similar type legislation required to be effected by or under a law. 6 Your claim arises from errors or omissions in any booking arrangements or failure to obtain relevant visa, passport or travel documents. 7 Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements. 8 Your claim arises from a government authority confiscating, detaining or destroying anything. 9 Your claim arises from being in control of a motorcycle without a current Australian motorcycle licence or you are a passenger travelling on a motorcycle that is in the control of a person that does not hold a current motor cycle licence valid for the country you are travelling in. 10 Your claim arises because you did not follow advice in the mass media of any government or other official body s warning: against travel to a particular country or parts of a country; of a strike, riot, bad weather, civil commotion or contagious disease; of a likely or actual Epidemic or Pandemic (such as H5N1 Avian influenza); of a threat of an Epidemic or Pandemic (such as H5N1 Avian influenza) that requires the closure of a country borders; of an Epidemic or Pandemic that results in you being quarantined, and you did not take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the warning. Please refer to for further information. 11 Your claim arises from any act of war, whether war is declared or not or from any rebellion, revolution, insurrection or taking of power by the military. 12 Your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity. 13 Your claim arises from biological and or chemical material, substance, compound or the like used directly or indirectly for the purpose to harm or to destroy human life and or create public fear. PAGE 39 PAGE 40 PAGE 41

16 Medical 14 Your claim arises from Pre-existing Medical Conditions except as specified under the heading Pre-existing Medical Conditions on pages 12 to Your claim is in respect of travel booked or undertaken against the advice of any Medical Adviser. 16 Your claim arises directly or indirectly from any injury or illness where a metastatic or terminal prognosis was made prior to the issue of the Certificate of Insurance. 17 Your claim arises out of pregnancy, or related complications after 26 weeks of pregnancy with a single baby, or after 19 weeks of pregnancy with a multiple pregnancy. 18 Your claim arises out of pregnancy, childbirth or related complications except as specified under the heading Pregnancy on page Your claim involved a hospital where you are being treated for addiction to drugs or alcohol, or are using it as a nursing, convalescent or rehabilitation place. 20 Your claim involves the cost of medication in use at the time the journey began or the cost for maintaining a course of treatment you were on prior to the journey. 21 Your claim arises from or is in any way related to depression, anxiety, stress, mental or nervous conditions. 22 Your claim arises from suicide or attempted suicide. 23 Your claim arises directly or indirectly from a sexually transmitted disease, except where previously accepted by us in writing according to the Pre-existing Medical Conditions process on pages 12 to You were under the influence or addicted to intoxicating liquor or drugs except a drug prescribed to you by a medical adviser. 25 Despite our advice otherwise following your call to Allianz Global Assistance, you received private hospital or medical treatment where public funded services or care is available in Australia or under any Reciprocal Health Agreement between the Government of Australia and the Government of any other country. 26 Your claim arises from any medical procedures in relation to AICD/ICD insertion during overseas travel. If you, your travelling companion or a relative (as listed on your Certificate of Insurance) requires this procedure, due to sudden and acute onset which occurs for the first time during your period of cover and not directly or indirectly related to a Pre-existing Medical Condition, we will exercise our right to organise a repatriation to Australia for this procedure to be completed. Sports AND Leisure 27 Your claim arises because you hunt, race (other than on foot), engage in Open Water Sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment (other than for hiking) or from professional sport of any kind, or from parachuting or hang gliding. 28 Your claim arises because you dive underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in Australia or you were diving under licensed instruction. 29 Your claim arises from travel in any air supported device other than as a passenger in a fully licensed aircraft operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning. Claims How to make a claim You must give us notice of your claim as soon as possible by completing the claim form supplied by our Client Services department and posting to the address shown on the claim form. If the claim form is not fully completed by you, we cannot process your claim. If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay. You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership. If required we may ask you to provide us with translations into English of such documents to enable us to carry out our assessment of your claim. You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require. For medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable. For damage or permanent loss of your Luggage and Personal Effects, report it immediately to the police and obtain a written notice of your report. For damage or misplacement of your Luggage and Personal Effects, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make. Submit full details of any claim in writing within 30 days of your return. CLAIMS ARE PAYABLE IN AUSTRALIAN DOLLARS TO YOU We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. YOU MUST NOT ADMIT FAULT OR LIABILITY In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval. DEPRECIATION Depreciation will be applied to claims for Luggage and Personal Effects at such rates as reasonably determined by Allianz Global Assistance. YOU MUST HELP US TO RECOVER ANY MONEY WE HAVE PAID If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you must inform us of such third party. IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL ONLY MAKE UP THE DIFFERENCE If you can make a claim against someone other than under an insurance policy in relation to a loss or expense covered under this policy and they do not pay you the full amount of your claim, we will make up the difference. You must claim from them first. OTHER INSURANCE If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the difference. We may seek contribution from your other Insurer. You must give us any information we reasonably ask for to help us make a claim from your other Insurer. SUBROGATION We may, at our discretion undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this policy regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss. These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this policy. RECOVERY We will apply any money we recover from someone else under a right of subrogation in the following order: 1. To us, our administration and legal costs arising from the recovery. 2. To us, an amount equal to the amount that we paid to you under the policy. 3. To you, your uninsured loss (less your excess). 4. To you, your excess. Once we pay your total loss we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you. If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you. PAGE 42 PAGE 43 PAGE 44

17 BUSINESS TRAVELLERS HOW GST AFFECTS YOUR CLAIM If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. TRAVEL WITHIN AUSTRALIA ONLY If you are entitled to claim an input tax credit in respect of your premium you must inform us of the amount of that input tax credit (as a percentage) at the time you first make a claim. If you fail to do so, you may have a liability for GST if we pay you an amount under this policy. FRAUD Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. You can help by reporting insurance fraud. All information will be treated as confidential and protected to the full extent under law. Report insurance fraud by calling HEALTH TIPS The internet is a great source of health information for travellers. For vaccination and health advice including information on disease outbreaks: or Before travel, consult your Health professional to discuss: Itinerary Duration of travel Style of travel Past medical history Vaccination requirements Pregnancy Allergies Medications Pre-existing Conditions Disease prevention TIPS FOR LONG DISTANCE TRAVELLERS Do frequent leg exercise and take deep breaths regularly while seated Drink plenty of non-alcoholic beverages to prevent dehydration The Three R s of Travel Vaccination ROUTINE VACCINATIONS (childhood or adult vaccinations) Tetanus/diphtheria Polio MMR Influenza Pneumococcal Varicella REQUIRED VACCINATIONS For instance when crossing international borders certain vaccinations are required. Yellow Fever Cholera Meningococcal RECOMMENDED VACCINATIONS There are some vaccinations recommended when travelling overseas specific to your destination. These may include: Hepatitis A Hepatitis B Typhoid Japanese Encephalitis Poliomyelitis Rabies Cholera Please see your Doctor to identify your specific needs. PAGE 45 PAGE 46

18 Application Form IF YOU HAVE INSUFFICIENT SPACE TO COMPLETE YOUR ANSWERS PLEASE ATTACH A SEPARATE SHEET. Commencement/Departure Date / / Expiry/Return Date / / Traveller Details Surname Given Names (Mr/Mrs/Ms/Miss) Date of Birth / / Surname Given Names (Mr/Mrs/Ms/Miss) Date of Birth / / Dependant(s) to be Covered (not applicable to Duo Policies) Surname Given Name (Mr/Miss) Date of Birth / / Surname Given Name (Mr/Miss) Date of Birth / / Traveller Address Details Home Address Suburb Phone (Bus Hrs) (After Hrs) Postcode Major Destination Cover Area Worldwide Europe/Asia Pacific Australia Cover Required Single Plan Duo Plan Family Plan Pre-existing Medical Conditions: You are not automatically covered for Pre-existing Medical Conditions. Please refer to the definition of and guidelines for Pre-existing Medical Conditions on pages 12 to 16 of the PDS. Do you have a Pre-existing Medical Condition (as outlined in the PDS)? Yes No Do you want cover for your Pre-existing Medical Condition for "Your Period of Cover" (see page 25)? Yes No We are unable to offer cover for those Pre-existing Medical Conditions outlined on pages 12 to 16 under the headings No cover for medical expenses, cancellation costs or additional expenses and Group 1 Pre-existing Medical Conditions which are automatically excluded. If you have any of the conditions which are excluded, you are still able to purchase a policy but the outlined exclusions will still apply. If you do not expressly apply for cover and pay an additional premium for Pre-existing Medical Conditions, your claim may be declined. 1. Do you require cover for your Pre-existing Medical Condition? Yes No 2. Do all your Pre-existing Medical Conditions fall under Group 2? Yes No (If yes, we provide automatic cover for these Pre-existing Medical Conditions listed in Group 2 at no additional premium). 3. Are you required to complete and submit a Medical Declaration form? Yes No (If yes, please complete the Pre-existing Medical Condition application form. If your application for cover is approved, an additional premium will be payable. Not available for Plans C or D). 4. If approved, what is your assessment number? MPE: Plan Selected Cost Plan A: Comprehensive $ Plan B: Australia only $ Plan C: Budget $ Plan D: Frequent Traveller $ SubTotal to carry forward to reverse of page $ Increased Luggage and Personal Effects Cover (not available Plan C) You may purchase extra cover (up to a total of $5,000) for: Specified articles taken from Australia (valuations or receipts must be attached) OR Specified articles purchased overseas. Extra cover up to: $1,000 $2,000 $3,000 $4,000 $5,000 Cost up to: $40 $80 $120 $160 $200 Details of specified articles (eg. camera) 1 $ 2 $ 3 $ 4 $ sum Insured Additional Sum Insured & Additional Premium $ $ (i.e. $40 per $1,000 or part thereof) Sub Total from front of application form $ TOTAL COST $ Credit Card Authority Please Debit my: Visa Mastercard Amex Card No: Card Holder s Name: Expiry Date: Signature: Date: 1. I/we acknowledge that a copy of the combined Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Policy Wording, which contains the Duty of Disclosure and consequences of non-disclosure, was given to me/us before I/we applied for this policy and that I/we have made the decision to purchase this after carefully reading the terms of the policy and decided that this policy is suitable for my/our needs. 2. I/we authorise any doctor or clinic to provide Allianz Global Assistance with information concerning my current or past medical history. I/we have read the Privacy Notice and I/ we consent to the collection, use and disclosure of my/our personal information by Allianz Global Assistance or the Insurer to such person and for such purposes stated in the Privacy Notice. 3. I/we acknowledge that this policy does not automatically provide cover for Pre-existing Medical Conditions. 4. I/we agree to abide with the terms and conditions of this policy and confirm that the above information is correct. Signature: Date: Please forward completed application form with full payment to: Over Fifty Travel Insurance c/o Allianz Global Assistance 74 High Street, TOOWONG QLD 4066 PAGE 47 PAGE 48

19 For assistance or enquiries please call our friendly staff on insurance Over Fifty Insurance Pty Ltd ABN Claims enquiries contact Allianz Global Assistance 24-hour Emergency Assistance (reverse charge from overseas) (within Australia) This insurance is issued and managed by AGA Assistance Australia Pty Ltd ABN , AFS Licence No PO Box 162, Toowong Qld 4066 trading as Allianz Global Assistance as agent of the insurer Allianz Australia Insurance Limited ABN , AFS Licence No of 2 Market Street, Sydney NSW PAGE 50